Insured Nomads

Co-founder Allen Koski serves as Chief Innovation Officer, a role in which he oversees product architecture, carrier relationships, and underwriting partnerships, per his public professional background. Koski previously led innovation at UnitedHealthcare Global, giving the firm direct institutional knowledge of multinational benefits underwriting. Andrew Jernigan handles the operational and business-development side of the firm.

Insured Nomads operates as a technology-enabled managing general agent and distribution platform — it does not bear underwriting risk on its own balance sheet. Policies are underwritten by rated carriers including Lloyd's syndicates and AXA entities. The firm aggregates capacity from multiple markets and wraps it in a consumer-facing digital experience that carriers typically do not provide directly to individuals.

The firm targets two distinct segments: individual remote workers and digital nomads buying coverage directly, and enterprises that employ distributed international teams and want benefits embedded into payroll and onboarding. The enterprise channel positions Insured Nomads as a benefit for companies that have crossed a threshold of hiring in jurisdictions where local insurance mandates create compliance risk.

Insured Nomads has not publicly disclosed its capitalization structure. Given its product launch cadence and API-centric technology build, the firm likely operates on a venture-backed model common to InsurTech intermediaries, though no funding rounds have been publicly verified. The absence of public filings makes its ownership structure opaque from the outside.

Coverage spans North America, Europe, Southeast Asia, Latin America, and Africa, with particular emphasis on corridors where digital nomad visa programs are active — such as Portugal, Estonia, Costa Rica, and Thailand. The February 2023 product launch specifically addressed a gap for US citizens residing abroad who fall outside both domestic US plans and local-market insurance eligibility.

World Nomads is the name of the bundled product combining health, travel, and life coverage — it is not a separate entity but Insured Nomads' flagship consumer offering. The naming convention is distinct from the legacy World Nomads travel insurance brand historically associated with certain Australian underwriters; Insured Nomads' product is a full-stack benefits bundle, not trip-interruption-only coverage.

Because it does not underwrite its own risks, regulatory burden falls primarily on the carriers behind each policy. Insured Nomads handles the technology layer of eligibility verification, enrollment, and premium collection. The firm's API architecture is designed to accommodate jurisdiction-specific product configurations — a different policy wrapper may sit behind the same user interface depending on the member's country of residence and citizenship.